Modified IDI policy offers: what is a broker to do?

An individual disability income application resulting in a modified offer is a fairly common occurrence and should not be feared.

By Sue Schweitzer|August 31, 2018 at 01:00 AM

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While a modified offer may look different than what your client anticipated, it still provides valuable coverage that can help protect them if they incur a disabling condition. (Photo: Shutterstock)

When talking to your clients about the importance of income protection, you probably paint a picture of how coverage can contribute to their peace of mind. You might discuss how a policy can be tailored to a client’s occupation and financial situation, and that it will help preserve their standard of living if they were to experience a severe illness or injury.